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Since 1985, Terry has been involved in multiple capacities of Risk Management and Insurance. He is insurance licensed in more than 30 states and has earned Risk Management designations in three programs: Certified Risk Manager (CRM), Certified Insurance Counselor (CIC) and Certified Real Estate Executive (CRE). Terry is fully licensed in the state of Alabama in all lines of insurance and has participated as a student as well as a speaker in all areas of insurance. He has spoken on insurance, self insurance and insurance related topics all over the United States and has acquired an in-depth knowledge of workers compensation insurance covering traditional insurance contracts, self insurance contracts and workers comp pool programs.